<?php
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?>
  <a href="valclientes.php" class="btn1"><div class="btntxt">CREDITOS</div></a>
    <a href="altaclientes.php" class="btn2"><div class="btntxt">CLIENTES</div></a>
    <a href="listadocreditos.php" class="btn2"><div class="btntxt">PAGOS</div></a>